Section 3 - Cancelling and Cutting Short your Trip

What you are covered for:
We will pay up to the overall limit shown in the Types and Overall Limits of Cover for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip as a result of the following:

1. You dying, becoming ill or injured.
2. The death, injury or illness of a relative, close business associate, a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay.
3. If you are called for jury service or as a witness or you are put in quarantine.
4. An accident to a vehicle in which you were planning to travel which happens within seven days before the date you planned to leave which leaves the vehicle unusable (this applies to self-drive holidays only).
5. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay because of an emergency.
6. If you are made redundant as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
7. If the police need you to stay after a fire, flood or burglary at your home within 48 hours before the date you planned to leave.

1. The first £50 of each claim, for each person. (This amount is capped at £100 for a member's policy).
2. Any claim which results from depression, anxiety, mental illness, mental strain or a depressive illness of any type.
3. You not wanting to travel or not wanting to continue travelling.
4. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your holiday.
5. Any claim in relation to pregnancy if you are travelling and have reached your 20th week of pregnancy or medical complications arising from pregnancy or child birth where prior medical complications have existed.
6. Cancelling or cutting short the trip because of a medical condition or any illness related to a medical condition which you knew about or should have known about before the start of the insurance. This applies to you, a relative, close business associate or person you are travelling with and any person you were depending on for the trip.
7. The cost of your original return trip if this has already been paid and you need to cut short your journey.
8. If you have to cut short your trip and do not return to the UK or Channel Islands.
9. If you cut short your trip and you have less than 25% of the trip left.
10. If you have failed to have any recommended vaccines, inoculations or medications prior to your trip.
11. If you have failed to get the relevant passport or visa.
12. Your late arrival at the airport or port after check in or booking in time.
13. Your personal financial circumstances, other than you being made redundant after the issue date of the schedule.
14. Any claim arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
15. Loss of air passenger duty.
16. Unused timeshare property, air miles or other promotions of this nature.
17. Any unused portion of your original tickets where repatriation has occurred.
18. The money paid for this insurance.